VALLEY AGRICULTURAL Credit Union Profile

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VALLEY AGRICULTURAL

Charter #17841 | NCUA Region 3 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (805) 525-9989

Fax: (805) 525-8373

Founding Date: N/A

Website: http://www.valleyagfcu.org

Personnel & Operations

President: Lockwood, Stewart

Manager: Garcia, Cynthia

FT Employees: 0

PT Employees: 3

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 98

Branches: 2

Hours: MONDAY - THURSDAY 1PM TO 5PM

Credit Union Profile Summary

VALLEY AGRICULTURAL is a FCU Credit Union. With a total of 573 members [1], this institution manages approximately $4,854,626 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.68% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -19.61% [1].

Financial Snapshot

Total Assets [1]
$4,854,626

Total economic resources.

Total Loans [1]
$2,274,105

Total value of outstanding loans.

Total Deposits [1]
$4,332,836

Total funds deposited by members.

Members [1]
573

Number of active members.

Performance Ratios

Net Worth Ratio [1]
10.68%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.38%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
52.49%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -1.77%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -19.61%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -9.34%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1141 CUMMINGS RD

SANTA PAULA, CA, 93060
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 1 branches reported by VALLEY AGRICULTURAL (Charter #17841).

Main Office

VALLEY AGRIGCULTURAL FEDERAL CREDIT UNION Main Office

Type: Corporate Office

1141 CUMMINGS RD

Santa Paula, CA 93060

Phone: (805) 525-9989

Services: Member Services

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